The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$7,168
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,391
−HK$226/mo
Today · 4.125%
HK$7,617
baseline
▲ 0.50% · 4.625%
HK$8,081
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,234/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,974
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,188
−HK$217/mo
Today · 4.125%
HK$8,405
baseline
▲ 0.50% · 4.625%
HK$8,848
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,810/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,601
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,869
−HK$271/mo
Today · 4.125%
HK$9,140
baseline
▲ 0.50% · 4.625%
HK$9,697
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,280/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,569
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,825
−HK$261/mo
Today · 4.125%
HK$10,086
baseline
▲ 0.50% · 4.625%
HK$10,617
+HK$531/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,172/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,035
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,347
−HK$317/mo
Today · 4.125%
HK$10,664
baseline
▲ 0.50% · 4.625%
HK$11,313
+HK$649/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$21,328/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,163
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,463
−HK$303/mo
Today · 4.125%
HK$11,766
baseline
▲ 0.50% · 4.625%
HK$12,387
+HK$621/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$23,532/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,902
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,303
−HK$408/mo
Today · 4.125%
HK$13,711
baseline
▲ 0.50% · 4.625%
HK$14,545
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,422/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,353
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,738
−HK$390/mo
Today · 4.125%
HK$15,128
baseline
▲ 0.50% · 4.625%
HK$15,926
+HK$798/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,256/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).